Sunday is the deadline to sign up for a new health insurance plan if you’re buying your own. Covered California says there will be hundreds of enrollment events around the state to give people in-person help.

Blue Shield of California stopped selling policies to individuals in 250 zip codes in 2014. The coverage area reduction is especially felt in Northern California, where consumers have few choices through Covered California.

People looking for health insurance have just three weeks left to sign up or they’ll face a tax penalty. One expert says consumers can avoid surprises by considering the total costs associated with health plans.